Start Your Drive-to-Own Quiz Today!

Answer a few quick questions below to discover the best mortgage options for your needs. This short quiz will help us understand your goals and match you with the right solution

Become more appealing to sellers as a pre-qualified

buyer.

Some real estate agents expect buyers to get pre-qualified before starting a home search.

Before you step into your first open house, we’ll help you take the smartest first step—getting prequalified for a mortgage.

At OPTIST, prequalification isn’t just about numbers on a page. It’s about clarity, confidence, and strategy. With a prequalification letter in hand, you’ll know exactly where you stand financially so you can focus on finding the right home that fits both your lifestyle and your long-term wealth goals.

Many real estate agents require buyers to be prequalified before house-hunting, and with good reason. It strengthens your offer, narrows your search, and makes the purchase process smoother from start to finish. More importantly, it positions you to move quickly when you find the right home.

Our secure, easy-to-complete online form makes getting prequalified simple. Once submitted, our team of mortgage professionals will review your information and provide you with personalized guidance on your next steps.

Let’s put you in control of your home-buying journey and lay the foundation for the generational wealth you deserve.

Determine how your credit looks.

Before lenders approve a mortgage, they want to see how you’ve managed money in the past. Your payment history, income, and current debts all help determine your ability to pay your loan each month. This is summarized in one powerful number—your credit score and it’s one of the biggest factors in mortgage approval.

Checking your credit is a smart first step. It gives you clarity, helps you avoid surprises, and positions you to take control of your financial future. Reliable resources like FreeCreditReport.com and CreditKarma.com make it easy to view your credit report and score at no cost.

If your score is below 640, don’t worry, that’s not the end of your journey. It simply means there’s room to improve. Review your report for errors, stay current on all payments, and work toward reducing debt. Even small, consistent steps can significantly boost your score and your financial confidence.

At OPTIST, we’re here to guide you beyond just “qualifying for a loan.” We’ll help you use your credit not only as a gateway to homeownership, but also as a foundation for building long-term wealth.

OPTIST Inc supports Equal Housing Lender. NMLS #2123579. OPTIST Inc is licensed in OHIO and Fannie Mae West NMLS# 152768 is licensed in OH & CO visit www.nmlsconsumeraccess.org or call 877-314-1499 for details. Company is headquartered at 7552 Slate Ridge Blvd, Reynoldsburg, Oh 43068. Interest rates and products are subject to change without notice and may or may not be available a the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. Partner with Co/Lab Lending